Comments on: ING Direct Electric Orange Checking Review

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

Great comment, Derek. Indeed I should probably update this review with more emphasis on how they handle their overdraft protection. Definitely a perk as I’ve dipped into the negative a couple of times over the last 5 years and was pleased with the procedure.

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

Not sure why you are running into this limitation. Since it’s already a verified external account, you would think you could make the transfer out. I would just call their customer service really quick and find out what’s up. You call and someone will literally pick right up and talk to you. Great service.

By: Jose

Jose — Thu, 01 Jan 1970 00:00:00 +0000

I recently have a orange savings account how can i transfer money from my savings account to my chase account it only lets me transfer from chase to ing bank…? i opened the account about 3 days ago?

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

Yeah, I still maintain a Chase account because of this. However, ING Direct is about to come out with digital deposit, so if you have a camera phone you can just use that to deposit your checks.

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

Yeah, I still maintain a Chase account because of this. However, ING Direct is about to come out with digital deposit, so if you have a camera phone you can just use that to deposit your checks.

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

@sdlizard Fund are transferred in 2 days. They don’t hold any portion of your funds. Here’s more: http://ptmoney.com/why-do-online-bank-transfers-take-so-freakin-long/ They run your credit when you sign up. Not sure if they give you a particular line of credit. I’m sure they will handle overdrafts on a one-of basis. Hope that helped a bit. Their customer service is great. You should just call them and they’ll talk you through everything.

By: sdlizard

sdlizard — Thu, 01 Jan 1970 00:00:00 +0000

Hello – I have a couple of questions. When you make a deposit either direct from employer or otherwise, how soon are the funds available, how long do they hold a portion of the money and how much is immediately available? Also, do you have to qualify for the line of credit for overdrafts or is it standard for everyone? How much of a line of credit is it? I am looking to switch banks soon!
Thank you

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

Thanks, Jeb. You know, I blogged about that under a separate post, but I forgot to update this one with that new info. Thanks for the push. I have my paper checks now too. Very convenient for an online bank. http://ptmoney.com/ing-direct-paper-checkbooks-digital-deposits/

By: Jeb

Jeb — Thu, 01 Jan 1970 00:00:00 +0000

Philip: You can now get paper checks with your electric orange account. Your summary above should be updated to reflect that. I suspect you’ll soon be able to scan/photo deposit checks, too. — Jeb

By: Philip Taylor

Philip Taylor — Thu, 01 Jan 1970 00:00:00 +0000

It’s normally about 3 or 4 business days for me. Kind of a pain, but perfect if you’re trying to save more (i.e. you won’t be tempted to touch it).